Branch Loans Kenya – review 2026

4,2 / 5

Branch International offers instant unsecured loans of up to KES 70,000 through its Android app, with disbursement directly to M-Pesa. Credit decisions are made using a machine-learning model that analyses smartphone usage data. Branch is registered as a digital credit provider under the CBK's Digital Credit Providers Regulations 2022.

Pros

Highest limit among major app lenders at KES 70,000
Instant approval and disbursement to M-Pesa
No collateral or guarantors required
Repayment flexibility with no prepayment fee
CBK-registered digital credit provider

Cons

Effective interest rates are high relative to formal bank products
Loan amounts for new borrowers are very low initially
Android-only application
Negative CRB listing on late repayment
No customer care phone line in Kenya

Requirements

Kenyan national ID
Active M-Pesa account linked to the registered phone number
Android device with Branch app installed
Minimum age of 18 years
M-Pesa transaction history assessed at onboarding

Company information

Name: Branch International Limited
Address: Nairobi, Kenya
Web: https://branch.co.ke

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.